Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,143

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
5

out of 5

POSTED: | BY: Tammy

Lifesaver!

We've had Trupanion for years, and unfortunately have had to use it as it turns out that both of our beloved pups have chronic health issues. Trupanion has come through on every word of what they say, always easily covering a claim, (even large ones) with no hesitation and easy 1 step form. This coverage allows us to provide our dogs with the best care available and help them to be as healthy and as comfortable as they can be for as long as we have them. I don't like to think about what decisions we would have been forced to make without Trupanions coverage. I would never again own a pet without the piece of mind Trupanion has provided us with. I can honestly say both literally and figuratively that they are a lifesaver a couple of times over.
5

out of 5

POSTED: | BY: Sue

I could not ask for more in doggie insurance!

Trupanion has performed EXACTLY as promised in their policy...this has been my dog's 4th claim and we have never had any issues concerning coverage or payment. Considering the fact that my dog is only just turningSue 2 this month, protecting his health with insurance has probably been one of the smartest investments I've ever made. I LOVE TRUPANION!
5

out of 5

POSTED: | BY: Art

Trupanion - Insurance Worth Having

My experience with Trupanion has been nothing but positive. Claims are easy to file, settlement is prompt, and never a hassle. Of course I was hoping to never have to make a claim but having the coverage has sure softened the blow of dealing with my sick dog.I recommend Trupanion without hesitation.
5

out of 5

POSTED: | BY: Sam

Easy and awesome claiming process

TruPanion is the best pet insurance company out there. With unlimited coverage, many coverage options to choose from and easy claiming process. I claimed twice so far: indirect and direct billing. Direct billing is done automatically through my vet. Indirect billing is you have to pay up front, send in the paper work online, then the reimburse is deposited directly into my bank account. They are also an honest company, my monthly payment went down when I moved to a different area in the city.I would recommend this company to all the pet lover out there.
5

out of 5

POSTED: | BY: Chelsea

Great

My senior cat fell ill and it turned out to be diabetes. My claim was submitted at the vets office and I had a cheque in 3 days. Quick and easy and no stress on my end worrying about the cost to help my baby.
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Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion Canada Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  
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